3rd Party Insurance Claim Expert Services Hougang Street 11

third party accident insurance claim

3rd Party Insurance Claim Expert Services Hougang Street 11 Third party insurance is the most standard type of insurance that all cars and truck owners in Singapore need to possess. It covers the driver’s responsibility in the event that his/her fault in the mishap is verified, and covers the costs of third party bodily injury and residential property damage. You can find in-depth details concerning third party insurance in Singapore by seeing its specialized page on our site here.

What is the Motor Claims Framework (MCF)?

When reporting motor mishaps in Singapore, the MCF is a collection of treatments that motorists need to follow. Essentially, after an accident, you must gather info from various other motorists involved in the mishap, take pictures of the event, then call an insurance provider to report the crash. The last action is to bring the cars and truck to among the insurance provider’s accredited repair work workshop for car assessment– no matter if any type of damage to the automobile has happened or otherwise. The MCF additionally implies that all crashes must be reported, as well as by not adhering to those guidelines, you run the risk of being fined. To learn even more about the MCF, click on this link to watch an infographic concerning this scheme.

Just how do I make a 3rd party insurance claim in Singapore?

Prior to making any kind of third party insurance claim in Singapore, or in fact anywhere in the world, make certain that the third party’s fault is validated by the cops record. You can still send your car for repair work even if the 3rd party’s liability has actually not yet been validated, but you will certainly need to pay for the fixings upfront. The following mini-guide will certainly reveal you detailed how to make a third party insurance claim in Singapore:

Action 1: Obtain all relevant info

After the accident, exchange details of included events including:

  1. Full Name
  2. NRIC/ FIN
  3. Phone number
  4. Address
  5. The Insurer and the policy number
  6. You’ll need this information for the report and also to file a claim to the 3rd party’s insurance company

Step 2: Photograph every little thing

Accumulate as several pieces of proof as feasible to support your claim. Take photographs of your automobile’s damage, other vehicles associated with the mishap, and the crash surroundings. You may likewise take video clip footage and also try to get witness statements.

Action 3: Report the mishap to your insurer

In Singapore, you are legally obliged to report ALL motor crashes within 24 hrs of its occurrence or the next working day. Even mishaps with minor or no car damage, or circumstances where you want to resolve without making a third party insurance claim, should be reported. Call your insurance company to send you a pulling vehicle if necessary, as well as ask any additional inquiries you might have. There’s no reason for not reporting a car crash, as it is now obligatory for each motor insurance company in Singapore to have a 24 hrs hotline readily available. You can likewise report an accident in one of the insurance company’s Approved Reporting Centers.

Not reporting the crash may lead to:

  • Loss of your No Claims Discount upon your plan’s revival time.
  • The insurer decreasing/ terminating your plan renewal.
  • The insurance company declining to repay your claim because you have breached a policy condition by failing to report the accident. That means you would have to pay of pocket for your own automobile repair expenditures as well as any kind of extra 3rd party claims.

Step 4: Arrange with the 3rd party’s insurer for pre-repair inspection

Get in touch with the third party’s insurance company as well as let them evaluate your cars and truck’s damage prior to sending it for repair work. The 3rd party’s insurance firm has two working days to perform the pre-repair inspection after you have actually contacted them. You can not start your cars and truck’s fixing process till the pre-repair assessment is complete, or up until the third party insurance firm has actually waived the right to the investigation. Discover more regarding pre-repair evaluation requirements below.

Depending on whether the fault of the various other vehicle driver is currently confirmed or not, you may select two various options for filling up the claim

If the other vehicle driver’s fault is developed, you can bring your auto to the 3rd party insurer’s Approved Reporting Center/ Authorized Workshop as well as make the needed fixings there.

If the liability for the mishap has not yet been validated, you can ask your very own insurance provider’s APR to assist you liaise with the 3rd party insurance company in your name.

Tip 5: Proceed with the repair service as well as claim

After the assessment is finished, and also you have received a repair service quote cost, you can proceed with the repair work. {Most likely you would need to resolve upfront the charge for the repair services with the workshop straight if the third party’s obligation has actually not been validated yet.|Most most likely you would have to settle upfront the charge for the fixings with the workshop directly if the third party’s obligation has not been verified.|If the third party’s responsibility has actually not been confirmed yet, most most likely you would certainly have to work out ahead of time the cost for the repair work with the workshop directly.

However, if you have an authorities report that clearly specifies the various other chauffeur’s fault in the accident, which you agreed with the third party’s insurance firm on the fixing costs and payment, you might wage the repair services without the demand to pay upfront. The workshop will certainly send your claim against the third party’s insurance for you, thinking all files are in place.

What happens if I have a dispute with the 3rd party insurance company?

In case you experience a disagreement when submitting a 3rd Party Insurance Claim Expert Services in Singapore, you can speak to Financial Industry Disputes Resolution Centre Ltd (FIDReC) by calling 6327 8878, or be emailing info@fidrec.com.sg. Please keep in mind to offer the FIDReC with all details relevant to your problem, including: your name, call numbers, the specifics of your issue, and all sustaining papers (e.g. correspondence with the 3rd party insurer or cops report).

Before making any third party insurance claim in Singapore, or really anywhere in the world, make certain that the third party’s fault is validated by the police record. Even accidents with minor or no auto damage, or situations where you want to resolve without making a third party insurance claim, should be reported. Contact the third party’s insurance company as well as allow them evaluate your vehicle’s damage before sending it for repair work. The third party’s insurance firm has two functioning days to carry out the pre-repair examination after you have called them. You can not begin your auto’s repair work process till the pre-repair assessment is full, or till the third party insurer has actually forgoed the right to the examination. 3rd Party Insurance Claim Expert Services Hougang Street 11